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Make a checklist in advance: Lists assist us know how much we can spend, and how much we truly require to spend. Each time you go to buy some thing make a checklist of what you are heading for. It's simpler to steer clear of the temptation of toys and goodies if you know what you need, and have it in plain sight as a reminder. Don't stray far from the checklist. A granola bar at the bookstore may be good, but don't get three t-shirts you found on the clearance rack just simply because. It also helps to make a list at the begging of every semester, of products you currently know you have to invest cash on for school. Then you know precisely what's left for food and other costs.
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Change the culture. In so many workplaces there is a tradition of 'face hrs' - you have to be seen to be in the workplace until late. It impacts on pay and bonuses. Eliminate this evil. If bosses stated to employees - you can depart at five if you have completed your work people would be much less inclined to move the time of working day idly. They would also then get more down time and be refreshed.
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